Buy in volume and carry your customers’ terms
Distributors pay suppliers up front and wait on customers for 30 to 90 days. A line of credit keeps inventory flowing in both directions.
- Buy in larger quantities at better prices
- Carry net terms for your customers
- Take on new accounts with confidence
You’re the bank in the middle
Distribution margins depend on buying well, and buying well means paying your suppliers fast. Then your customers want terms. You end up financing both sides of the deal.
Food, beverage, building supply, industrial and consumer goods distributors use a Flex Credit Capital line to keep warehouses stocked and customers happy.
Common uses
- Volume purchases and early-pay discounts
- Carrying receivables for large customers
- Warehouse equipment and forklifts
- Adding product lines or new accounts
The basics we look for
If your business checks these boxes, it’s worth a few minutes to apply.
We look at how your business is actually doing, mostly through your recent bank statements. Your credit score matters less here than it does at a bank.
- Time in business6 months or more
- Monthly revenue$15,000 or more
- Business bank accountRecent statements
- LocationU.S.-based business
- CollateralNot required
Questions from distribution owners
Can I use it to take a supplier discount?
Yes. Many distributors draw on their line to pay early and save on the order.
Is a line better than invoice factoring?
It depends on your business. With a line, you keep your invoices and draw only what you need. We’re happy to talk through it.
Do you lend against my warehouse inventory?
No collateral is required.
See what your business qualifies for
Tell us what you need the money for and how much. A funding advisor will follow up with real numbers, usually the same day.